EMI moratorium impact calculator

A moratorium pauses your EMI but not the interest. Interest continues to accrue on the outstanding and gets added to the principal. This calculator shows the extra interest and tenure cost of a payment holiday.

Impact of the moratorium
Original EMI
₹0
Interest accrued during pause
₹0
New outstanding
₹0
New EMI
₹0
New tenure
0 mo
Extra interest cost
₹0

Two options after a moratorium

  • Extend tenure: Same EMI, more months. Easier monthly cash flow, much higher lifetime interest.
  • Raise EMI: Same tenure, higher EMI. Lower lifetime interest, tighter monthly budget.

RBI's COVID-era circular allowed both options; banks default to "extend tenure" unless you ask.